When the amount you pay to be wired approaches your monthly retirement contributions, loud warning bells should go off.

A family with an adjusted gross income below $30,000 is entitled to a 50 percent tax credit for retirement contributions of up to $2,000 a year.

At the same time, companies were cutting their retirement contributions as they switched to 401(k) programs.

Many companies that place all their employees' retirement contributions in their own stock trumpet a similar logic.

How do I apply to have my retirement contributions returned to me in a lump sum payment?

Can I roll over my refund of retirement contributions?

You can ask that your retirement contributions be returned to you in a lump sum payment.

Will I get interest on the lump sum payment of my retirement contributions?

The income from wages and salaries reported on Line 7 of the 1040 is after the retirement contribution.

Many financial and wealth experts teach that this halting of retirement contributions should last no more than two years.